Hi, I took a personal loan of 100000 with 2670 emi for 48 months, i paid for 25 months, and i did a prepayment for another 23 months the sbi bank has calculated entire 23 months outstanding emi prepayment charge 2%, this will result in 1200 more that what i will be paying in next 23 months, this seems to be unfair. i have closed the loan but fighting with banker for the loss i have to bear, i did not get a paisa benefit by paying the loan amount before time that too about 2yrs before . do you think this is unfaif on sbi, they did not reduce a paisa on the intrest for this 23 months. pls sug
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